Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$137,824Cash toward the purchase price.
Closing costs + prepaids$11,965Not just lender fees.
Before credits & paid funds$149,789The complete starting cash picture.
Estimated remaining funds due at closing
$149,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,824.36
Your down payment$137,824.36
Closing costs + prepaids$11,964.68
Total buyer cash needed$149,789.04
Remaining funds due$149,789.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,360.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$646.00
Prepaid interest, first (30 days)$639.80
Fees + prepaids$11,964.68
Your down payment is the seller’s equity. You take over the $272,176 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $149,789.04 is due at closing. Uses and sources reconcile at $421,964.68 each. Not a Closing Disclosure.